About the ExxonMobil Dental Plan
This summary plan description (SPD) is a summary of the ExxonMobil Dental Plan (the Plan). It does not contain all the Plan details. In determining your specific benefits, the full provisions of the formal documents, as they exist now or as they may exist in the future, always govern. You may obtain copies of these documents by making a written request to the Administrator-Benefits. ExxonMobil reserves the right to change benefits in any way or terminate any benefit at any time.
The Dental Plan is self-funded. There is no insurance company to collect premiums or underwrite coverage. Instead, contributions from you and ExxonMobil pay all benefits. Prior claims experience and forecasted expenses are used to determine the amount of money needed to pay future benefits. These options are governed by federal laws, not by state insurance laws.
Notice: The Dental Plan is an excepted benefit under Patient Protection Affordable Care Act (PPACA) and is not minimum essential coverage. Since it is not minimum essential coverage, you may not treat it as required coverage when filing your U.S. Federal Income Tax return.
Applicability to represented employees is governed by collective bargaining agreements and any local bargaining requirements.
When you need information, you may contact:
Claims and dental Preferred Provider Organization (PPO) administrator
Provides claim payment information, Aetna Dental PPO provider and claim forms.Phone numbers:
Aetna Member Services
210-366-2416 (international, call collect)
Monday - Friday 8:00 a.m. to 6:00 p.m. (Central Time), except certain holidays
Automated Voice Response - 24 hours a day, 7 days a week
P. O. Box 981106
El Paso, TX 79998-1106
To visit Aetna’s website: www.aetna.com
Customer Service Representatives can provide specialized assistance.
Employees can enroll/change benefits on the Employee Connect HR intranet site through ExxonMobil Benefits . Enrollment forms are also available through ExxonMobil Benefits Service Center.
Phone numbers and Addresses:
ExxonMobil Benefits Service Center
Monday – Friday 7:00 a.m. to 5:00 p.m.
(Central Time), except certain holidays
or 800-TDD-TDD4 (833-8334) for hearing impaired
ExxonMobil Benefits Service Center
P. O. Box 18025
Norfolk, VA 23501-1867
ExxonMobil Sponsored Sites - Access to plan-related information including claim forms for employees, retirees, survivors, and their family members.
- Employee Connect, the Human Resources intranet site - can be accessed at work by employees.
- ExxonMobil Family, the Human Resources internet site - can be accessed from home by everyone at www.exxonmobilfamily.com.
- Retiree Online Community internet site - can be accessed from home by retirees and survivors only (including Exxon and Mobil retirees and survivors) at www.emretiree.com.
- ExxonMobil benefits service center internet site - can be accessed from home by everyone at www.exxonmobil.com/benefits.
Aetna does not render dental services or treatments. Neither the Plan nor Aetna is responsible for the services that are delivered by providers participating in the Aetna Dental PPO and those providers are solely responsible for the dental services they deliver. Providers are not the agents nor employees of the Plan or Aetna.
The ExxonMobil Dental Plan (the Plan) encourages good dental health by paying, within plan limits, for 100% of the cost of preventive services and part of the cost of other general and major services, including orthodontia. The Plan offers you the opportunity to use the Aetna Dental PPO Network, a voluntary PPO. Because participating dentists and dental specialists have agreed to provide their services at negotiated rates, you will save money and maximize your annual Plan benefits when you choose to receive care from a participating dentist. ExxonMobil's dental plan is described in detail in this SPD. These tools help you find specific information quickly and easily:
- Plan at a glance, a quick user's guide highlighting plan basics.
- Charts and tables throughout this SPD provide information, examples, highlights of plan provisions, etc.
- References to sources of additional information.
- Key terms containing definitions of some words and terms used in this SPD. Terms are underlined and linked for easy identification.
A careful reading of this SPD will help you understand how the Plan works so you can make the best use of the Plan provisions.
Plan at a glance
You may enroll yourself and your eligible family members within your first 60 days of employment or within 60 days of a subsequent change in status or at Annual Enrollment. See How to enroll for employees.
You may enroll yourself and your eligible family members within 60 days of your retirement. If you do not enroll at this time, you will have limited opportunities to enroll at a later date. See How to enroll for retirees.
The Dental PPO
You can visit any dentist – but save when you choose a dentist who participates in the Aetna Dental PPO network. The negotiated rates for the dentist's services are generally within reasonable and customary (R&C) limits and generally lower than rates charged by non-network dentists which helps you maximize your annual plan benefit by paying less out of pocket for covered services. See Dental PPO.
Covered and excluded expenses
The Plan provides benefits for many, but not all, preventive, general, major and orthodontic services. See the Covered expenses section.
You and the Plan share the costs for covered treatments and services. You pay a deductible before the Plan begins paying for certain benefits. For each covered person, the Plan pays up to $2,000 each calendar year for covered dental expenses (other than preventive and orthodontic services) and up to a $2,000 lifetime maximum benefit for covered orthodontic expenses. See Payments.
Dental PPO providers file claims for you. You are responsible for ensuring that claims for non-network care are filed. See Claims.
Consolidated Omnibus Budget Reconciliation Act 1985 (COBRA)
You and your family members who lose eligibility may continue dental coverage for a limited time in certain circumstances. See Continuation coverage.
Administrative and ERISA information
This Plan is subject to rules of the federal government, including the Employee Retirement Income Security Act of 1974, (ERISA) as amended, not state insurance laws. See Administrative and ERISA information.
This is an alphabetized list of words and phrases, with their definitions, used in this SPD. See Key terms.
A brief summary of benefits. See Benefit summary.